摘要
经营水平和外部环境是影响商业银行小微企业贷款不良率的重要因素。根据X银行小微企业信贷数据和我国省级地区的季度数据,利用面板数据模型分析了外部环境中影响小微企业贷款不良率的主要因素。结果显示地区存贷比与小微企业贷款不良率成正比,意味着过度融资是导致小微企业贷款不良率的重要因素。基于此,并结合当前经济发展的特征,应扭转通过行政命令式的小微金融发展道路,完善民间融资发展路径,防止无序发展,建立统一的债权债务登记系统,保障企业和银行的合法债权。
Business level and external environment are important factors affecting the rate of non- performing loans of commercial banks. According to the small micro enterprise credit data of X bank and the quarterly data of provincial areas in China, it analysis the external environment of small and micro enterprises non-performing loan rate of the main factors using the panel data model to. The results show that the region loan ratio is proportional to the small micro enterprise loans, which means excessive financing in small and micro enterprises non-performing loan rate is an important factor. Based on this, the study combined with the characteristics of the current economic development put forward four suggestions.
出处
《金融理论探索》
2016年第1期18-23,共6页
Exploration of Financial Theory
关键词
小微企业
贷款不良率
影响因素
存贷比
过度融资
small and micro enterprise
non-performing loans ratio
influence factors
loan-to- deposit ratio
excessive financing
